Health insurance companies offer something called long-term care. However, I recently read an article that they've ramped up premiums because costs have been higher than expected (probably because of diabetes/obesity/alzheimer's).
The key point is that you need your downside to be protected for more than one year. Most catastrophic illnesses last beyond a year. It's hard to find health insurance that will address that. If the plan, as you've described it, doesn't exist, you can think about being flow to...
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India or other low cost/good outcome healthcare country. Not ideal, but hey, it's better than having a terminal illness + being bankrupt.
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